Our Halfway House Program is designed for health care and social services facilities offering voluntary outpatient and/or temporary stay services.  The Halfway House Program only covers facilities providing refuge for clients who enter voluntarily.  This program does not cover court-ordered placements.

Outpatient Services Covered

• Aftercare and support programs (AA, Al-Anon, etc.)
• Crisis, counseling or guidance centers (rape, domestic violence, etc.)
• Non-medical drug and alcohol rehabilitation centers

Temporary Stay Services Covered

• Crisis Centers (rape, domestic violence, displacements due to fire or other disasters)
• Homeless shelters for families or adults
• Mission or settlement houses (with beds)

General Liability Underwriting and Rating Considerations

• Up to $1MM/$2MM limit (Umbrella available)
• Rate based on square feet
• Sexual/Physical Abuse coverage mandatory and included at $25,000/$50,000 for no charge (excluded under Umbrella). Higher limits up to $100,000/$300,000 available.
• Errors and Omissions mandatory with limits up to General Liability rated separately per bed (inpatient) or per 1,000 visits (outpatient)
• Any off-premises health care services provided under Home Health Care Program
• Submit any physician-owned facilities

Prohibited

• Birth control, pregnancy or abortion counseling or clinics
• Blood testing
• Children under 18 years old (unless guardian resides on premises)
• Court-ordered placements
• Detoxification facilities
• Dialysis
• Employed or contracted physicians on staff
• Foster homes
• Health care clinics
• Hired and non-owned auto
• Hospice facilities
• In-patient facilities
• Infusion therapy services
• Methadone or other drugs administered as part of the treatment process
• Physical therapy
• Prisoners on work-release or rehabilitation
• Psychiatric institutions
• Youth hostels